we did a prepay on the citi card which is auto charged for a # of bills....we were going to be gone 2.5 mo's....had to mail a check....it worked well, but when we go back, a check was there from citi for the credit balance on the last statement....turns out, the new law says that 3 months minus balance in a row requires that the balance be refunded....

ot, the credit did cover the charges....its now on auto draft from checking acct...also, a credit balance doesn't increase the credit limit....